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I confirm that I am the individual named in this credit score request, and have authority to provide the personal details included herein.

By clicking 'Get My Free Credit Score Now', I authorise Credit Place Pty Limited (Credit Place) to obtain my credit score & credit file from Experian Australia Credit Services Pty Limited (Experian). I acknowledge and accept Pioneer Credit Ltd's Privacy Policy & Credit Place's Terms of Use. I consent to being contacted by Credit Place, Experian and their related entities, and for them to use and disclose my personal information for business and marketing purposes. I can opt-out of direct marketing by any of the above entities by contacting the entities at any time.

Terms and Conditions Credit Place

1. Introduction

The Terms of Use of the Credit Place Pty Ltd (‘Credit Place’) website (www.creditplace.com.au) includes these terms and conditions, Pioneer Credit Ltd’s Privacy & Credit Information Policy Statement (our ‘Privacy Policy’) and any other terms and conditions that appear in, or are linked to, the Credit Place website (Additional Terms and Conditions).

The Additional Terms and Conditions that appear on the Credit Place website will govern your use of, and access to, certain sections of the Credit Place website where they appear. Since these Additional Terms and Conditions form part of the Terms of Use, you are bound by them and should review them wherever they are relevant to you when using the Credit Place website. Using this website indicates that you have read, understood and agree to be bound by the Terms of Use and the Additional Terms and Conditions.

The Terms of Use and Additional Terms and Conditions may be varied or modified without prior notice and at Credit Place’s sole discretion. Any subsequent access to, or use by you of the website will constitute an acceptance of the varied or modified terms.

2. Website content and access

As part of CreditPlace’s identity verification processes, personal detail provided to CreditPlace will be matched to information held by the issuer or Official Record Holder, via third party systems.

While Credit Place endeavours to take reasonable care in preparing and maintaining the information on this website, it does not warrant the accuracy, reliability, adequacy or completeness of any of the website content. You acknowledge and accept that the website content may include technical inaccuracies and typographical errors. The website content is subject to change at any time without notice and may not necessarily be up to date or accurate at the time you view it.

It is your responsibility to enquire with us directly to ensure the accuracy and currency of the material or information you seek to rely upon. To the extent permitted by law, Credit Place disclaims all liability for loss directly or indirectly arising from your use of or reliance on the website and the website content.

Credit Place does not guarantee that access to the Credit Place website will be uninterrupted or that the website is free from viruses or anything else which may damage any computer which accesses the Credit Place website or any data on such a computer.

3. Limitation of Liability

To be eligible to use our services via the website you must be either an Australian citizen or Australian permanent resident and be 18 years of age or older. By using the Credit Place website you represent and warrant that you are 18 or older and have an Australian driver’s licence, Medicare Card or Australian passport (‘Eligibility Criteria’). We may vary the Eligibility Criteria from time to time. By using the website you represent and warrant that you comply with this eligibility criteria. We may prohibit you from accessing or using the website without limitation if we believe that you do not comply with the Eligibility Criteria. This Eligibility Criteria may be varied by us at any time.

4. Limitation of Liability

To the maximum extent permitted by law Credit Place will not be liable in any way to you or anyone else for any loss, expense, liability, claim, damages (including without limitation, indirect, special or consequential loss or damage), loss of income, data, contract, tort, profit, or loss of opportunity arising out of your use or inability to use, or access, the website or any of the services or in relation to any content or information obtained through the website, whether or not this is caused by a negligent act or omission.

Credit Place does not accept liability for any acts or omissions of others, including but not limited to, product providers who provide the information and data used to compile the information featured on the website, or any rating or content posted by you or other members.

5. Intellectual Property

The materials displayed on this website, including without limitation all editorial materials, information, photographs, illustrations, artwork and other graphic materials, and names, logos and trade marks, are the property of Credit Place and are protected by copyright, trade mark and other intellectual property laws. Credit Place does not grant any licence or right in, or assign any of its intellectual property rights in the content or applications incorporated into the Credit Place website, or in the user interface of the Credit Place website.

6. Licence of our Service

By giving you permission to access and use the Credit Place Website, we grant you a non-exclusive, revocable, non-transferable personal licence to use our software on a server controlled by us, for the sole personal purpose of accessing and obtaining information from the Site, subject to these Terms of Use. Your permission to access and use the Credit Place website does not grant you any permission to use the Credit Place website for any commercial purpose.

You may not copy or reproduce the underlying source code or software either in full or in part, nor attempt to in any way modify, copy, reproduce, upload, post transmit, distribute, alter, reverse engineer or de-compile in any way any material from the Site including the source code or software. You are not licensed to use or install the source code or software, other than as specifically authorised by us. We reserve the right to add, remove or vary any source code or software.

We independently decide to cease receiving updates as to your credit score.

Your credit score will be presented to you via the Credit Place website, and a monthly update to this credit score will also be available to you if you download the Pioneer Path application. Note that regardless of whether you download Pioneer Path, your credit score information, and a monthly update of this will be provided to Credit Place and Frollo Australia Pty Ltd. In order to receive our services, you must provide us with:

Accurate, complete and up to date personal details as requested on the Credit Place website;

A valid email address.

To request access to a copy of your full free Experian credit report, please contact Experian directly at www.experian.com.au.

8. Third Party websites

The Credit Place website may contain links to other websites operated, controlled or produced by third parties. Unless otherwise indicated, Credit Place does not control, endorse, sponsor or approve any such third party websites or their content nor does Credit Place provide any warranty to take any responsibility whatsoever for any aspect of those websites or their content.

9. Offer of Products

Once you have received your credit score, Credit Place, or one of its related entities or affiliates, may provide you with the opportunity to consider credit products or other products or services which may be suited to your needs. Examples of products which may be suggested for your consideration include home loans, personal loans, business loans, car loans and-/-or credit cards from a related entity or affiliate of Credit Place. Your contact information may be pre-populated in any enquiry into these products, however, your other personal information, including your credit score will remain with Credit Place and will not be provided to any other entity unless your express consent is provided.

10. No advice service

Any information we provide is of a general and information nature only. We do not provide personal financial, legal or tax advice or credit assistance of any form. Any content featured on the website is of a general and informative nature only. You must consider your own individual financial circumstances before acting upon any of the information featured on the website. We encourage you to seek independent advice when considering applying for any product or service featured on the website.

11. Dealing with Experian

You will deal with Experian directly in relation to the credit score. Credit Place does not assist with your application for the credit score and the credit-related information you obtain does not guarantee acceptance or eligibility for any other product or service.

12. Dealing directly with related parties

You will deal with Credit Place’s related party if you are offered products under 9. above. Credit Place does not assist with your application for any product or service and the credit-related information we provide you does not guarantee acceptance or eligibility for any product or service.

13. Credit Score

Your credit score is calculated and produced by Experian. Credit Place’s service does not reflect or capture any data contained in any other credit reporting body. Be aware that your credit score calculated and produced by Experian may differ from an individual credit score which another credit reporting bureau may calculate and produce for you.

14. Monitoring of Site Content

You acknowledge and agree that we have the right to monitor the Site and/or Site Content and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Site, or to protect itself or other users of the Site. We have no obligation to monitor content on the Site or to protect users of the Site.

We may monitor communications via the Site and may withdraw any communication services or facilities at any time. We reserve the right to restrict any activities on the Site that we deem to be in breach of this legal notice or any other Credit Place agreement or policy.

15. Termination, cancellation and suspension of use

We reserve the right to terminate, suspend or otherwise limit your access or use to our Service without any prior notice to you, if we have reason to believe that you are breaching these Terms of Use or engaging in fraudulent or unlawful behaviour.

We also have the right to vary, discontinue or cease offering any aspect of the Service without any prior notice to you and we have no liability for any costs, losses or damages of any kind arising as a consequence of such termination.

16. Governing Law and Jurisdiction

The Terms of Use and all other aspects of your use of the website shall be governed by the laws of the state of Western Australia, Australia. Disputes arising in connection with this legal notice shall be subject to the non-exclusive jurisdiction of the courts of Western Australia. You agree that you will notify us of any claim or dispute concerning or relating to this legal notice and/or the Site.

Privacy Policy

Privacy & Credit Information Policy

Pioneer Credit Ltd (Pioneer Credit, we, our or us) and all related entities within the Pioneer Credit Group are committed to maintaining the confidentiality, security and integrity of your personal information held by us. In line with the Privacy Act1988 (Cth)(Act), the Australian Privacy Principles (APPs) and the Privacy (Credit Reporting) Code 2014 (Version 1.2)(CR Code), (and, if you are in New Zealand, the New Zealand Privacy Act 1993 (NZ Act), New Zealand Privacy Principles (NZPPs), and the New Zealand Credit Reporting Privacy Code (NZ Code), this Privacy & Credit Information Policy Statement (Privacy Policy) highlights the manner in which Pioneer Credit deals with your personal information and the choices available to you to access or correct your personal information.

What is personal information?

Personal information is information or an opinion whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.What kind of personal information is collected and held by Pioneer Credit?

We will only collect your personal information where it is reasonably necessary in connection with the services we are providing you. The types of personal information we collect include:

information about your account, including, where applicable, your contract with your original or previous credit provider and any personal information you provided in your credit application to your original credit provider, details of payments or default, default listings, correspondence and telephone contact between you and the original or previous credit provider, court proceedings and personal insolvency information

information which you provide us about your financial situation such as your current income and expenses, queries made by you, complaints lodged, repayment history and transaction details

your personal information and credit information held with various credit reporting bodies such as:

your repayment history and any defaults

credit requests (including amount and type) you have made to other credit providers

ovariations to credit arrangements following a default

court proceedings and personal insolvency

the opinion of credit providers about credit infringements committed by you

information that we believe will assist us in locating contact details for you where we do not have current contact details

for your sensitive information (such as criminal records, health information or membership of a professional or trade association/union) which we have collected with your consent, and

your answers to our security questions, which will allow us to identify you over the phone.

How is your personal information collected?

Where reasonable and practicable, Pioneer Credit will collect your personal information from you. If we are unable to collect personal information from you, other sources which Pioneer Credit collects your personal information from include:

the credit provider(s) who assigned your account(s) to us

credit reporting bodies

any third party who we believe may be able to assist us in making contact with you (where you have not been readily contactable directly)

any third party authorised by you to be your representative or

publicly available sources of information, including information which is publicly available online, or databases subscribed to by Pioneer Credit such as people search databases, property and tenancy databases.

Any unsolicited information we receive about you will be destroyed or de-identified unless it is information we could have collected in the manner described above.

Where practical and reasonable we will obtain your explicit consent before collecting sensitive information.

How does Pioneer Credit use your personal information?

Pioneer Credit uses your personal information for the following purposes:

to assess your credit worthiness

to allow us to appropriately manage your account, which includes identifying you and arranging for payment of the outstanding balance on your account

to inform you of products (including consumer lending products) or services from us or our related entities or affiliates which may interest you, via direct marketing (you can tell us not to contact you for this purpose at any time,

to conduct checks with credit reporting bodies such as Equifax, Experian and Dun & Bradstreet

to comply with legal or regulatory requirements or as authorised by legal or regulatory requirements, including under the Anti-Money Laundering and Counter-Terrorism Financing Act2006 (Cth) and Anti-Money Laundering and Counter-Terrorism Financing Rules Instrument 2007 (Cth), and, if you are in New Zealand, the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and associated regulations

for compliance, quality assurance and staff training purposes, for example when we communicate with you through phone calls, we may record or monitor the telephone conversation for this purpose

to determine whether products or services offered by us, our related entities or affiliates, may be appropriate for your circumstances, and provide you access to these products and services of third parties such as/but not limited to lenders, licensed finance brokers, brokers, banks and/or credit unions, and

to allow us to update or inform a referrer about your success or non-success in applying for a product or service with Pioneer Credit, and

to send you direct marketing about products or services which we believe may be appropriate for you, and you may be interested in (you can ask us not to contact you for this purpose at any time).

We will generally not use or disclose your personal information for any other purpose without your consent, but may do so where:

it relates to an activity above and such use or disclosure would be reasonably expected

we need to take appropriate action for suspected unlawful activities or serious misconduct

it is used to locate a reported missing person

required to establish, exercise or defend a legal or equitable claim

required in connection with a confidential alternative dispute resolution process, and

we reasonably believe it is required for enforcement related activities of an enforcement body.

Statistical Information Collected

We may collect statistical information regarding the use of any of the websites owned by the Pioneer Credit Group such as:

a record of your IP address

the date and time of your visit

pages accessed and documents downloaded

the length of time spent on specific areas of a website

the referring webpage (if applicable)

the type of browser and operating system used should you decide to contact us via any of our websites.

Remarketing

The Pioneer Credit Group and any of its wholly owned entities may use of remarketing services (or similar audience-targeted feature) in any of its websites for the purpose of:

allowing third party vendors, to use cookies to display adverts based on someone’s past visit to the website.

Turning off ‘cookies’ on your web browser may disable some remarketing functions.

In addition, we may also use interest based advertising to encourage traffic to any of the Pioneer Credit Group’s websites.

Who do we disclose your personal information to?

In the course of our business, Pioneer Credit may disclose your personal information to outsourced service providers, which in some cases may be overseas, such as our overseas operations in the Philippines.

Pioneer Credit may also disclose your personal information to:

a credit reporting body, in any manner that is permitted under the Act and the CR Code or NZ Code (see below for further details)

any person to whom such disclosure is required by law or regulatory requirement or pursuant to court order

Pioneer Credit’s service providers, agents or contractors appointed to provide services to Pioneer Credit or its related, associated or affiliated companies. We ensure that these third parties observe similar security measures as adopted by Pioneer Credit

parties where you have given your consent

mail houses contracted to print and distribute statements and other documents and communications , or

·other companies within the group who offer products (including consumer lending products) or services which we believe you may be interested in, and which we would like to let you know about (you can let us know not to contact you for this purpose at any time.

Exchange of information with credit reporting bodies

Pioneer Credit uses the credit reporting services provided by Equifax, Experian and Dun & Bradstreet. Equifax, Experian and Dun & Bradstreetmay include this information in reports to assist in assessments of credit worthiness. Equifax, Experian and Dun & Bradstreetmay use the information each of them holds about you for pre-screening for direct marketing. Please refer toEquifax, Experian and Dun & Bradstreet’s separatecredit reporting policies for details on their management of credit reporting information. A copy of these policies can be obtained at each credit reporting bodies’ website (listed below) or by visiting the websites and obtaining instructions for requesting via post (required forms and supporting documents are explained on each website)

In respect of our dealings with credit reporting bodies it is important to note that:

if you fail to meet your payment obligations in relation to consumer credit or commit a serious credit infringement, we may be entitled to disclose this to credit reporting bodies

you may request that credit reporting bodies:

do not use their credit reporting information for the purposes of pre-screening direct marketing by another credit provider, and/or

do not use or disclose credit reporting information about you, if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.

Credit reporting bodies will generally be provided with information regarding your identification, your creditworthiness, the credit product held or being sought, your repayment history, any defaults and any serious credit infringements committed by you (such as fraudulently trying to either obtain credit or evade your obligations in respect of that credit). In the event we disclose default information about you to a credit reporting body, we will advise that credit reporting body when you have fully discharged the default amount.

The personal information collected will be retained by Pioneer Credit for the duration permitted or required under law. If specific personal information is no longer needed, Pioneer Credit will take steps to destroy the information or ensure the information is de-identified.

Can you refuse to provide your personal information?

Yes, but if you do not provide Pioneer Credit with some personal information, we may not be able to assist you.

Can you access your personal information held by Pioneer Credit?

Yes. You have the right to access your personal information held by Pioneer Credit. You may obtain a copy of any personal information we hold about you by contacting us below. To make this request please notify the Privacy Officer via email or post, using the contact options under the heading ‘Our contact details’ within this Policy Statement. No fee is charged for lodging a request for access.

If you are in Australia, a fee may be imposed to process your request and to give you access to the personal information you require. In certain circumstances set out in the Act you will not be able to access your personal information, for example when:

the information is relevant to legal proceedings between us and could not be obtained by you through the discovery process for those proceedings

disclosure would be unlawful

we reasonably suspect you have engaged in unlawful activity or serious misconduct relating to our activities and giving access would prejudice our ability to take appropriate action in respect of your conduct, or

granting access would prejudice one or more enforcement related activities conducted by an enforcement body.

If you are in New Zealand, no fee will be imposed to process your request, including deciding whether or not the request is to be granted, but a fee may be imposed to give you access to the personal information you require. In certain circumstances set out in the NZ Act you will not be able to access your personal information, for example when:

disclosure would be unlawful, or

disclosure would prejudice the maintenance of the law, including the prevention, investigation, and detection of offences, and the right to a fair trial.

Whether you are in Australia or New Zealand, if we do not grant you access to all or some of your personal information we will provide you with a written statement explaining why we denied your request for access.

Your personal information has changed. Can you correct your personal information held by Pioneer Credit?

You have the right to request your personal information be corrected / updated if the information held by us is incorrect, incomplete or not up to date. To make this request please notify the Privacy Officer via email or post, using the contact options under the heading ‘Our contact details’ within this Policy Statement. No fee is charged for lodging a request for correction.

We will respond to your requests for access or correction as soon as practicably possible, in any event no later than 30 days after receiving your request.

How do you lodge a complaint?

If you are unhappy with the way your personal information is handled, or if you would like to lodge a complaint about a breach of the Act, APPs or CR Code, or, if you are in New Zealand, the NZ Act, NZPPs, or NZ Code, you have the option of lodging a complaint via Pioneer Credit’s Internal Dispute Resolution (IDR) process.

We will acknowledge receipt of your complaint within 7 days from lodgment. A response to your complaint will be sent to you within 30 days (or a different period if agreed by both parties).

You may refer to our website www.pioneercredit.com.au for more information on the IDR process.

What if you are unhappy with the outcome of the IDR?

You have the option of lodging the complaint with the Credit and Investments Ombudsman Limited (CIO) or with the Office of the Australian Information Commissioner (OAIC), or, if you are in New Zealand, the Office of the Privacy Commissioner (OPCNZ).

As a public listed company on the Australian Securities Exchange, Pioneer Credit collects the personal information of its shareholders, either through the application form completed by you or through its share registry Link Market Services. Personal information of shareholders, which includes information provided upon application are held by Link Market Services and are separate to customer records referred in this Policy Statement.

Pioneer Credit may use and disclose your personal information in the following manner:

to process your share application and provide services to you as a shareholder

facilitate dividend payments and other administrative functions

provide you with updates including Pioneer Credit’s annual reports, financial results, information regarding future offers of securities and other disclosures required by law

your personal information may be disclosed to Pioneer Credit’s associated or affiliated companies, outsourced service providers, agents or contractors appointed to provide services to Pioneer Credit or its related, associated or affiliated companies

your personal information may also be disclosed to regulators, government agencies or any person to whom such disclosure is required by law or regulatory requirement or pursuant to court order, and

parties where you have given your consent.

If you do not provide your personal information Pioneer Credit may not be able to process your application. Your personal information will be retained by Pioneer Credit for the duration permitted or required under law.

If you wish to access or correct your personal information held you may do so online via the Link Market Services website at www.linkmarketservices.com.au or contact your broker. For further information you may contact the Company Secretary on 08 9323 5020.

Please refer to the above for information how you may lodge a complaint regarding a breach of privacy.

Changes to this Privacy Policy

We may, from time to time, update this Privacy Policy. The current Privacy Policy will always be visible on our website:

FAQs

Credit Score FAQ

A credit score gives you an idea of your degree of credit eligibility. Our credit bureau provider, Experian, will combine a number of factors together to help you get a clear idea of your financial health.

Pioneer Credit works in partnership with Experian, which is an entirely separate, data analytics company and credit bureau. Experian is a global information solutions company and the leading provider of credit information and analysis in the world.

Being able to demonstrate a strong credit score is a great way of knowing whether you can get a better deal on your loan, that is if your score suggests you’re unlikely to encounter financial difficulty.

Your credit score is calculated using Experian credit information and is then passed back to you via Credit Place. We don’t sell your information to any third parties. We may, with your consent, use your contact information to let you know information about other products which may interest you. You can opt out of receiving this information at any time.

Credit score updates are available monthly through our mobile app called Pioneer Path. If you do not wish to download the application, then you are permitted to come back and access your score again through the Credit Place website whenever you like.

The various lenders and credit reporting bodies have different scores based on their own information and calculations. A score that is based on minimal data can result in you having an incorrect credit decision being made. Credit Place uses Experian to retrieve your credit score based on the most current and comprehensive data sources, consisting of more than 15.7 million active consumer credit files.

There could be many reasons why we may be unable to provide you with your Experian credit score. It may mean that you don't have an active credit report in the Experian database or potentially that you have insufficient information on your credit report.

If you don't have a driver's licence, Credit Place will not be able to provide you with your credit score as we are unable to confirm your identification. Please call us on 1300 015 133 instead.

Understanding your credit score

0 - 549 Below Average

Where you might see your score as below average, we see great potential. Be careful as you may be at risk experiencing an adverse event such as a default, bankruptcy or court judgment in the next 12 months. Don’t panic, sometimes simple changes can make a world of difference. We’re here to help increase your credit score so that overtime you will be on your way to achieving your financial goals.

550 - 624 Average

Your credit score is similar to that of the average Australian. Although average might not sound too exciting it is a good enough score for you to achieve your financial goals. Our goal is to help you achieve a good credit score. To get you there, avoid any financial pitfalls over the next 12 months that could lower your score.

625 - 699 Good

Well done! You have a good credit score which means your odds of keeping a clean credit report over the next 12 months are better than most Australians. Keep up the good work and discover how to take your credit score to the next level.

700 - 799 Very Good

Great work! With such a good credit score, you’re joining some of Australia’s credit score elite, outperforming most Australians. This means you have the luxury of more financial freedom than most. Keep up the great work and continuing working towards achieving an excellent score!

800 - 1000 Excellent

Congratulations on your fantastic credit score! You and a select number of Australians are leading the credit score world by example. Having such a high score means your financial health appears to be in great shape, granting you an excellent chance of accessing better financial offers.